{"text_format":"1","workbook":"xlsx","n_sheets":5,"sheets":["Website","rekenmodule","bijsparen","Overig","SPF"],"not_rendered":{"charts":0,"images":1,"macros":1,"external_links":0,"defined_names":1,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

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[]
[null,null,null,null,"Versienummer","1.0"]
[]
[]
[]
[]
[null,"Premiecalculator"]
[]
[]
[]
[]
[null,"Informatie"]
[null,"Vul hieronder uw huidige gegevens in en zie direct hoe hoog de premie in de nieuwe pensioenregeling wordt. "]
[]
[]
[null,"Uw gegevens (een toelichting op de vragen vindt u onderaan)"]
[null,"1. Heeft u een partner en is deze bekend bij SPF?","nee"]
[null,"2. Neemt u deel aan de BasisPlus regeling","nee"]
[null,"3. Heeft u premievrijstelling bij arbeidsongeschiktheid meeverzekerd?","nee"]
[null,"4. Hoeveel extra premie betaalt u vrijwillig?",0]
[null,null,{"$f":"IF(AND(C23=\"geen\",E23=\"geen\"),\"\",IF(C23=E23,\"De gekozen beroepsuitoefeningen zijn gelijk aan elkaar. Tel de verschillende inkomenscomponenten bij elkaar op en vul deze in bij beroepsuitoefening 1.\",\"\"))","v":""}]
[null,"Beroepsuitoefening","Beroepsuitoefening 1",null,"Beroepsuitoefening 2"]
[null,"5. Op welke wijze bent u werkzaam als fysiotherapeut?","geen",null,"geen"]
[null,"6. Wat is uw bruto parttime jaarinkomen?",0,null,0]
[null,"7. Wat is uw parttimepercentage?",0,null,0]
[null,"Nieuwe jaarpremie per beroepsuitoefening",{"$f":"rekenmodule!G17","v":0},null,{"$f":"rekenmodule!H17","v":0}]
[null,null,{"$f":"IF(AND(C23=\"geen\",C24>0),\"Vul uw beroepsuitoefening 1 in\",\"\")","v":""},null,{"$f":"IF(AND(E23=\"geen\",E24>0),\"Vul uw beroepsuitoefening 2 in\",\"\")","v":""}]
[null,"Uw jaarpremie","Premie oud","Premie nieuw","Verschil"]
[null,"Premie",{"$f":"rekenmodule!B19","v":0},{"$f":"SUM(rekenmodule!G17:H17)","v":0},{"$f":"D29-C29","v":0}]
[null,"Extra bijsparen",{"$f":"rekenmodule!B20","v":0},{"$f":"SUM(rekenmodule!G18:H18)","v":0},{"$f":"D30-C30","v":0}]
[null,"Premie voor premievrijstelling bij arbeidsongeschiktheid",{"$f":"rekenmodule!B21","v":0},{"$f":"SUM(rekenmodule!G19:H19)","v":0},{"$f":"D31-C31","v":0}]
[null,"Totaal",{"$f":"rekenmodule!B22","v":0},{"$f":"SUM(rekenmodule!G20:H20)","v":0},{"$f":"D32-C32","v":0}]
[null,null,{"$f":"IF(AND(E29>60,C25+E25>100%),\"Uw premie gaat omhoog. U bouwt meer pensioenkapitaal op. \nIs dit ongewenst? Neem dan contact met ons op.\",\"\")","v":""}]
[null,"Toelichting bij vragen"]
[null,"1. Heeft u een partner en is deze bekend bij SPF?","Bent u gehuwd, heeft u een geregistreerd partnerschap of woont u samen met uw partner en is uw partner aangemeld? Dit kunt u terugvinden op uw nota of UPO."]
[null,"2. Neemt u deel aan de BasisPlus regeling","De BasisPlus regeling was alleen beschikbaar voor deelnemers die voor 2016 zijn gestart. Geef aan of u deelneemt aan deze regeling.  Dit kunt u terugvinden op uw nota."]
[null,"3. Heeft u premievrijstelling bij arbeidsongeschiktheid meeverzekerd?","Controleer of u deze verzekering heeft. Dit kunt u terugvinden op uw nota."]
[null,"4. Hoeveel extra premie betaalt u vrijwillig?","U heeft de mogelijkheid om een extra pensioen op te bouwen. Hier vult u het percentage (11%, 22% of 33%) in dat u nu bovenop uw standaardpremie betaalt. Dit kunt u terugvinden op uw nota."]
[null,"5. Op welke wijze bent u werkzaam als fysiotherapeut? ","Werkt u in loondienst, als zelfstandige of als directeur-grootaandeelhouder (DGA)?"]
[null,"6. Wat is uw bruto parttime jaarinkomen?","Hier wordt gevraagd naar uw totale inkomen dat u verdient met uw werk als fysiotherapeut. Als u meerdere werkgevers heeft, tel dan de inkomens per beroepsuitoefening bij elkaar op om tot een totaalbedrag te komen."]
[null,"7. Wat is uw parttimepercentage?","Uw parttimepercentage geeft aan hoeveel u werkt ten opzichte van een fulltime werkweek. Het is belangrijk voor de berekening van uw pensioenopbouw en de premie die u betaalt"]
[]
[null,"Disclaimer"]
[null,"Deze informatie wordt onder alle voorbehoud verstrekt. U kunt aan deze informatie op geen enkele wijze rechten ontlenen. Stichting Pensioenfonds voor Fysiotherapeuten is derhalve niet aansprakelijk voor (de gevolgen van) eventuele fouten of onvolledigheden in deze informatie."]

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["OUD",null,null,"toelichting velden voor bouw",null,"NIEUW",null,null,null,"toelichting velden voor bouw"]
["Jaar",{"$f":"G3","v":2025},null,"overnemen van G3",null,"Jaar",2025,null,null,"jaar van berekening (default huidige jaar, ook niet mogelijk om aan te passen naar eerder jaar)"]
["Beroepsuitoefening",{"$f":"IF(G10>H10,G9,H9)","v":"geen"},null,"overnemen van G9 of H9, waarbij de beroepsuitoefening overgenomen wordt die het hoogste beroepsinkomen heeft in G10 en H10",null,"Partner ",{"$f":"Website!C17","v":"nee"},null,null,"wel of geen partner (keuze ja of nee geldt automatisch voor alle beroepsuitoefeningen)"]
["Partner ",{"$f":"G4","v":"nee"},null,"overnemen van G4",null,"Basis+",{"$f":"Website!C18","v":"nee"},null,null,"wel of geen BasisPlus  (keuze ja of nee geldt automatisch voor alle beroepsuitoefeningen)"]
["Basis+",{"$f":"G5","v":"nee"},null,"overnemen van G5",null,"PVI",{"$f":"Website!C19","v":"nee"},null,null,"wel of geen PVI meeverzekeren (keuze ja of nee geldt automatisch voor alle beroepsuitoefeningen)"]
["PVI",{"$f":"G6","v":"nee"},null,"overnemen van G6",null,"Bijsparen (oude regeling)",{"$f":"Website!C20","v":0}]
["Beroepsinkomen",{"$f":"G10+H10","v":0},null,"totaal van G10 en H10",null,null,"Beroepsuitoefening 1","Beroepsuitoefening 2"]
["DT%",{"$f":"MIN((G11+H11),1)","v":0},null,"totaal van G11 en H11, gemaximeerd op 100%",null,"Beroepsuitoefening",{"$f":"Website!C23","v":"geen"},{"$f":"Website!E23","v":"geen"},null,"beroepsuitoefening"]
["Max.",{"$f":"IF(B4=\"loondienst\",VLOOKUP(B3,SPF!$A:$D,2,),VLOOKUP(B3,SPF!$A:$D,3,0))","v":47209},null,"reglementair maximum pensioengevend inkomen afhankelijk van beroepsuitoefening in B4",null,"Beroepsinkomen",{"$f":"IF(G9=\"geen\",0,MAX(Website!C24,0))","v":0},{"$f":"IF(H9=\"geen\",0,MAX(Website!E24,0))","v":0},null,"parttime inkomen op jaarbasis"]
["Beroepsinkomen",{"$f":"IF(B8<B10,B8,B10)","v":0},null,"het beroepsinkomen waarmee gerekend wordt (het laagste bedrag van B8 en B10)",null,"Gewerkte DT%",{"$f":"IF(G9=\"geen\",0,MIN(Website!C25,1))","v":0},{"$f":"IF(H9=\"geen\",0,MIN(Website!E25,1))","v":0},null,"deeltijdpercentage"]
["Franchise",{"$f":"VLOOKUP(B3,SPF!$A:$D,4,0)","v":14752},null,"franchise",null,"max inkomen",{"$f":"IF(G9=\"loondienst\",VLOOKUP(G3,SPF!$A:$D,2,),VLOOKUP(G3,SPF!$A:$D,3,0))","v":47209},{"$f":"IF(H9=\"loondienst\",VLOOKUP(G3,SPF!$A:$D,2,),VLOOKUP(G3,SPF!$A:$D,3,0))","v":47209},null,"reglementair maximum pensioengevend inkomen"]
["PT Franchise",{"$f":"B12*B9","v":0},null,"franchise B12 * deeltijdpercentage B9",null,"Fulltime pensioengevend inkomen",{"$f":"IF(G11=0,0.0000001,IF(G10<=0,0,IF(G11>1,MIN(G12,G10),MIN(G12,G10/G11))))","v":9.9999999999999995E-8},{"$f":"IF(H11=0,0.0000001,IF(H10<=0,0,IF(H11>1,MIN(H12,H10),MIN(H12,H10/H11))))","v":9.9999999999999995E-8},null,"inkomen omgerekend naar fulltime basis (H10 gedeeld door H11  maar maximaal het reglementair maximum pensioengevend inkomen in H12), mag geen negatief bedrag zijn, DT% is maximaal 100%"]
["Fiscaal max. PG",{"$f":"IF(B3>2014,VLOOKUP(B3,Overig!I:L,4,0),\"NVT\")","v":119325},null,"de fiscale maximale pensioengrondslag van het huidige jaar",null,"Franchise",{"$f":"VLOOKUP(G3,SPF!$A:$D,4,0)","v":14752},{"$f":"VLOOKUP(G3,SPF!$A:$D,4,0)","v":14752},null,"vastgesteld fulltime franchise"]
["Fiscaal max. DT PG",{"$f":"IF(B3>2014,B14*B9,\"NVT\")","v":0},null,"de fiscale maximale pensioengrondslag B14 * deeltijdpercentage B9",null,"Pensioengrondslag",{"$f":"IF(G11>1,G13-G14,IF((G13-G14)*G11<0,0,(G13-G14)*G11))","v":0},{"$f":"IF(H11>1,H13-H14,IF((H13-H14)*H11<0,0,(H13-H14)*H11))","v":0},null,"fulltime pensioengevend inkomen (H13) -/- fulltime franchise (H14) * deeltijdpercentage (H11) (DT% is maxomaal 100%)"]
["Berekende PG",{"$f":"IF(B11-B13<1,0,IF(B11-B13>B10-B12,B10-B12,B11-B13))","v":0},null,"beroepsinkomen B11 -/- deeltijdfranchise B13 (mmaar mag niet groter zijn dan max beroepsinkomen B10 -/- franchise B12)",null,"premiepercentage",{"$f":"IF(G9=\"loondienst\",VLOOKUP(G26,SPF!$O:$P,2,0),VLOOKUP(G26,SPF!$S:$T,2,0))","v":0.10929999999999999},{"$f":"IF(H9=\"loondienst\",VLOOKUP(H26,SPF!$O:$P,2,0),VLOOKUP(H26,SPF!$S:$T,2,0))","v":0.10929999999999999},null,"premiepercentage obv beroepsuitoefening /wel of geen partner / wel of geen BasisPlus"]
["Pensioengrondslag",{"$f":"IF(B15<B16,B15,B16)","v":0},null,"de pensioengrondslag waarmee gerekend wordt (het laagste bedrag van B15 en B16",null,"Premie per beroepsuitoefening",{"$f":"G15*G16","v":0},{"$f":"IF(H11=0,0,H15*H16)","v":0},null,"pensioengrondslag (H15) * premiepercentage (H16)"]
["Premiepercentage",{"$f":"IF(B4=\"loondienst\",VLOOKUP(B23,SPF!$G:$H,2,0),VLOOKUP(B23,SPF!$K:$L,2,0))","v":0.11210000000000001},null,"premiepercentage obv beroepsuitoefening /wel of geen partner / wel of geen BasisPlus",null,"Bijsparen",{"$f":"G25","v":0},{"$f":"H25","v":0},null,"Bijspaar premie uit H25"]
["Premie",{"$f":"ROUND(B17*B18,2)","v":0},null,"pensioengrondslag (B17) * premiepercentage (B18) ",null,"PVI",{"$f":"IF(G6=\"ja\",(G17+G18)*0.0375,0)","v":0},{"$f":"IF(G6=\"ja\",(H17+H18)*0.0375,0)","v":0},null,"(premie H17 + bijspaarpremie H18) * 3,75% opslag PVI"]
["bijsparen",{"$f":"B19*G7","v":0},null,"premie B19 * bijspaarpercentage (oude regeling) G7",null,"Totale premie per beroepsuitoefening",{"$f":"SUM(G17:G19)","v":0},{"$f":"SUM(H17:H19)","v":0},null,"Premie H17 + bijspaarpremie H18 + opslag PVI H19"]
["PVI",{"$f":"IF(B7=\"ja\",ROUND((B19+B20)*0.0375,2),0)","v":0},null,"(premie B19 + bijspaar premie B20) * 3,75% opslag PVI",null,"PREMIE TOTAAL NIEUW",{"$f":"SUM(G20:H20)","v":0},null,null,"Totale premie G20 + H21"]
["PREMIE TOTAAL OUD",{"$f":"SUM(B19:B21)","v":0},null,"Premie B19 + bijspaarpremie B20 + opslag PVI B21",null,"Bijsparen"]
["zoeksleutel  (tbv werkblad SPF)",{"$f":"CONCATENATE(B3,B5,B6)","v":"2025neenee"},null,null,null,"maximaal bij te sparen",{"$f":"IF(G9=\"geen\",0,VLOOKUP(G27,bijsparen!$A$3:$M$14,13,0))","v":0},{"$f":"IF(H9=\"geen\",0,VLOOKUP(H27,bijsparen!$A$3:$M$14,13,0))","v":0},null,"maximaal bijspaar percentage met zoeksleutel bijsparen opgehaald uit tabblad 'bijsparen'"]
[null,null,null,null,null,"bijsparen obv keuze oude regeling",{"$f":"ROUND(G23*VLOOKUP(G7,Overig!$O$1:$P$4,2,0),5)","v":0},{"$f":"ROUND(H23*VLOOKUP(G7,Overig!$O$1:$P$4,2,0),5)","v":0},null,"maximaal bijspaar percentage afgezet tegen oude bijspaar percentage (33% = 100%, 22% = 66,6%, 11%= 33,3%)"]
[null,null,null,null,null,"Bijspaarpremie",{"$f":"IF(G9=\"geen\",0,(G15*G24)*(1+VLOOKUP(G27,bijsparen!$A$3:$N$14,14,0)))","v":0},{"$f":"IF(H9=\"geen\",0,(H15*H24)*(1+VLOOKUP(H27,bijsparen!$A$3:$N$14,14,0)))","v":0},null,"bijspaar percentage * pensioengrondslag * 'opslag bijsparen 'tabblad bijsparen' kolom N"]
[null,null,null,null,null,"zoeksleutel  (tbv werkblad SPF)",{"$f":"CONCATENATE(G3,G4,G5)","v":"2025neenee"},{"$f":"CONCATENATE(G3,G4,G5)","v":"2025neenee"}]
[null,null,null,null,null,"zoeksleutel (tbv werkblad bijsparen",{"$f":"CONCATENATE(G9,G4,G5)","v":"geenneenee"},{"$f":"CONCATENATE(H9,G4,G5)","v":"geenneenee"}]

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["sleutel=partner/basis+",null,null,null,null,null,"Pensioenpremie ","% van PG","% van storting","% van storting","% van storting","% van PG"]
[null,null,"Partner","Regeling","Max PGS","Franchise","totaal","spaarpremie","toekomstige uitvoering","MVEV","uitvoering opbouw","PP","max bijsparen","Opslagen bijsparen"]
["loondienstneenee","DVB","Nee","Basis",38055,14752,0.15579999999999999,0.14249999999999999,0,0,9.2999999999999999E-2,0,{"$f":"ROUND(MIN(H3/3,0.3-H3),5)","v":4.7500000000000001E-2},{"$f":"SUM(I3:K3)","v":9.2999999999999999E-2}]
["loondienstjanee","DVB","Ja","Basis",38055,14752,0.16009999999999999,0.14249999999999999,0,0,9.2999999999999999E-2,4.3E-3,{"$f":"ROUND(MIN(H4/3,0.3-H4),5)","v":4.7500000000000001E-2},{"$f":"SUM(I4:K4)","v":9.2999999999999999E-2}]
["loondienstneeja","DVB","Nee","Basis Plus",38055,14752,0.27050000000000002,0.2475,0,0,9.2999999999999999E-2,0,5.2499999999999998E-2,{"$f":"SUM(I5:K5)","v":9.2999999999999999E-2}]
["loondienstjaja","DVB","Ja","Basis Plus",38055,14752,0.28040000000000004,0.2475,0,0,9.2999999999999999E-2,9.9000000000000008E-3,{"$f":"ROUND(MIN(H6/3,0.3-H6),5)","v":5.2499999999999998E-2},9.2999999999999999E-2]
["zelfstandigneenee","Zelfstandige","Nee","Basis",47209,14752,0.10930000000000001,0.1,0,0,9.2999999999999999E-2,0,3.3329999999999999E-2,9.2999999999999999E-2]
["zelfstandigjanee","Zelfstandige","Ja","Basis",47209,14752,0.11660000000000001,0.1,0,0,9.2999999999999999E-2,7.3000000000000001E-3,3.3329999999999999E-2,9.2999999999999999E-2]
["zelfstandigneeja","Zelfstandige","Nee","Basis Plus",47209,14752,0.18580000000000002,0.17,0,0,9.2999999999999999E-2,0,5.6669999999999998E-2,9.2999999999999999E-2]
["zelfstandigjaja","Zelfstandige","Ja","Basis Plus",47209,14752,0.20140000000000002,0.17,0,0,9.2999999999999999E-2,1.5599999999999999E-2,5.6669999999999998E-2,9.2999999999999999E-2]
["DGAneenee","Zelfstandige","Nee","Basis",47209,14752,0.10930000000000001,0.1,0,0,9.2999999999999999E-2,0,3.3329999999999999E-2,9.2999999999999999E-2]
["DGAjanee","Zelfstandige","Ja","Basis",47209,14752,0.11660000000000001,0.1,0,0,9.2999999999999999E-2,7.3000000000000001E-3,3.3329999999999999E-2,9.2999999999999999E-2]
["DGAneeja","Zelfstandige","Nee","Basis Plus",47209,14752,0.18580000000000002,0.17,0,0,9.2999999999999999E-2,0,5.6669999999999998E-2,9.2999999999999999E-2]
["DGAjaja","Zelfstandige","Ja","Basis Plus",47209,14752,0.20140000000000002,0.17,0,0,9.2999999999999999E-2,1.5599999999999999E-2,5.6669999999999998E-2,9.2999999999999999E-2]
[null,null,null,null,2025,2025,"2025-07-01","2025-07-01","zit in kostenopslag 9,3%","zit in kostenopslag 9,3%","2025-07-01","2025-07-01","doorrekening","2025-07-01"]
[]
["Vastgestelde precentages per 01-07-2025"]
[null,"% van","Zelfstandig basis","Zelfstandig basis+","Loondienst basis","Loondienst basis+"]
["Spaarpremie","Pensioengrondslag",0.1,0.17,0.14249999999999999,0.2475,null,null,null,"="]
["Risicopremie","Pensioengrondslag",7.3000000000000001E-3,1.5599999999999999E-2,4.3E-3,9.9000000000000008E-3]
["MVEV","Spaarpremie",0,0,0,0]
["Kostenopslag","Spaarpremie",9.2999999999999999E-2,9.2999999999999999E-2,9.2999999999999999E-2,9.2999999999999999E-2]
[]
[null,"Spaarpremie",{"$f":"C19","v":0.1},{"$f":"D19","v":0.17},0.14249999999999999,0.2475]
[null,"kostenopslag vd spaarpremie",{"$f":"ROUND(C22*C19,4)","v":9.2999999999999992E-3},{"$f":"ROUND(D22*D19,4)","v":1.5800000000000002E-2},1.3299999999999999E-2,2.3E-2]
[null,"Premie zonder partner",{"$f":"C25+C19","v":0.10930000000000001},{"$f":"D25+D19","v":0.18580000000000002},{"$f":"E25+E19","v":0.15579999999999999},{"$f":"F25+F19","v":0.27050000000000002}]
[null,"risicopremie",{"$f":"C20","v":7.3000000000000001E-3},{"$f":"D20","v":1.5599999999999999E-2},4.3E-3,9.9000000000000008E-3]
[null,"Premie met partner",{"$f":"C19+C20+C25","v":0.11660000000000001},{"$f":"D19+D20+D25","v":0.20140000000000002},{"$f":"E19+E20+E25","v":0.16009999999999999},{"$f":"F19+F20+F25","v":0.28040000000000004}]

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["ja",null,2007,null,1,null,"loondienst",null,"jaar","Fiscale maximum","Franchise","pensioengrondslag",null,null,0,{"$f":"ROUND(O1/O4,5)","v":0}]
["nee",null,2008,null,2,null,"zelfstandig",null,2015,100000,12642,{"$f":"J2-K2","v":87358},null,null,0.11,{"$f":"ROUND(O2/O4,5)","v":0.33333000000000002}]
[null,null,2009,null,3,null,"DGA",null,2016,101519,12953,{"$f":"J3-K3","v":88566},null,null,0.22,{"$f":"ROUND(O3/O4,5)","v":0.66666999999999998}]
[null,null,2010,null,4,null,"geen",null,2017,103317,13123,90194,null,null,0.33,{"$f":"ROUND(O4/O4,5)","v":1}]
[null,null,2011,null,5,null,null,null,2018,105075,13344,91731]
[null,null,2012,null,null,null,null,null,2019,107593,13785,{"$f":"J6-K6","v":93808},null,null,null,"Afronden op 3 decimalen"]
[null,null,2013,null,null,null,null,null,2020,110111,14167,{"$f":"J7-K7","v":95944}]
[null,null,2014,null,null,null,null,null,2021,112189,14544,{"$f":"J8-K8","v":97645}]
[null,null,2015,null,null,null,null,null,2022,114866,14802,{"$f":"J9-K9","v":100064}]
[null,null,2016,null,null,null,null,null,2023,128810,{"$f":"J10-L10","v":16322},112488]
[null,null,2017,null,null,null,null,null,2024,137800,17545,120255]
[null,null,2018,null,null,null,null,null,2025,137800,18475,119325]
[null,null,2019]
[null,null,2020]
[null,null,2021]
[null,null,2022]
[null,null,2023]
[null,null,2024]
[null,null,2025]

{"sheet":"SPF","index":4,"n_rows":75,"n_cols":29,"rows_kept":75,"cut":false,"hidden":true,"merged":[]}
["maximum beroepsinkomen en franchise",null,null,null,null,"Premiepercentage",null,null,null,null,null,null,null,"Premiepercentage 01-07-2025"]
["Jaar","loondienst","zelfstandig","franchise",null,"Loondienst",null,null,null,"Zelfstandige",null,null,null,"Loondienst",null,null,null,"Zelfstandige"]
[2008,35200,44200,12288,null,"jaar","sleutel","premie%",null,"jaar","sleutel","premie%",null,"jaar","sleutel","premie%",null,"jaar","sleutel","premie%",null,null,"sleutel = jaar/partner/basis+"]
[2009,35622,44730,12435,null,2008,"2008jaja",0.13919999999999999,null,2008,"2008jaja",9.9900000000000003E-2,null,"2025-07-01","2025jaja",0.28039999999999998,null,"2025-07-01","2025jaja",0.2014]
[2010,35800,44954,12497,null,null,"2008janee",0.13919999999999999,null,null,"2008janee",9.9900000000000003E-2,null,null,"2025janee",0.16009999999999999,null,null,"2025janee",0.1166,null,null,"Vastgestelde precentages per 01-07-2025"]
[2011,35800,44954,12497,null,null,"2008neeja",0.13109999999999999,null,null,"2008neeja",9.4100000000000003E-2,null,null,"2025neeja",0.27050000000000002,null,null,"2025neeja",0.18579999999999999,null,null,null,"% van","Zelfstandig basis","Zelfstandig basis+","Loondienst basis","Loondienst basis+"]
[2012,35800,44954,12497,null,null,"2008neenee",0.13109999999999999,null,null,"2008neenee",9.4100000000000003E-2,null,null,"2025neenee",0.15579999999999999,null,null,"2025neenee",0.10929999999999999,null,null,"Spaarpremie","Pensioengrondslag",0.1,0.17,0.14249999999999999,0.2475]
[2013,35800,44954,12497,null,2009,"2009jaja",0.14069999999999999,null,2009,"2009jaja",0.1011,null,null,null,null,null,null,null,null,null,null,"Risicopremie","Pensioengrondslag",7.3000000000000001E-3,1.5599999999999999E-2,4.3E-3,9.9000000000000008E-3]
[2014,35800,44954,12497,null,null,"2009janee",0.14069999999999999,null,null,"2009janee",0.1011,null,null,null,null,null,null,null,null,null,null,"MVEV","Spaarpremie",0,0,0,0]
[2015,35800,44954,12497,null,null,"2009neeja",0.13350000000000001,null,null,"2009neeja",9.5899999999999999E-2,null,null,null,null,null,null,null,null,null,null,"Kostenopslag","Spaarpremie",9.2999999999999999E-2,9.2999999999999999E-2,9.2999999999999999E-2,9.2999999999999999E-2]
[2016,35800,44954,12497,null,null,"2009neenee",0.13350000000000001,null,null,"2009neenee",9.5899999999999999E-2]
[2017,35800,44954,12497,null,2010,"2010jaja",0.14069999999999999,null,2010,"2010jaja",0.1011,null,null,null,null,null,null,null,null,null,null,null,"Spaarpremie",{"$f":"Y7","v":0.1},{"$f":"Z7","v":0.17},0.14249999999999999,0.2475]
[2018,35800,44954,12497,null,null,"2010janee",0.14069999999999999,null,null,"2010janee",0.1011,null,null,null,null,null,null,null,null,null,null,null,"kostenopslag v/d spaarpremie",{"$f":"ROUND(Y10*Y7,4)","v":9.2999999999999992E-3},{"$f":"ROUND(Z10*Z7,4)","v":1.5800000000000002E-2},{"$f":"ROUND(AA10*AA7,4)","v":1.3299999999999999E-2},{"$f":"ROUND(AB10*AB7,4)","v":2.3E-2},"Afronden?"]
[2019,35800,44954,12497,null,null,"2010neeja",0.13350000000000001,null,null,"2010neeja",9.5899999999999999E-2,null,null,null,null,null,null,null,null,null,null,null,"Premie zonder partner",{"$f":"Y13+Y7","v":0.10930000000000001},{"$f":"Z13+Z7","v":0.18580000000000002},{"$f":"AA13+AA7","v":0.15579999999999999},{"$f":"AB13+AB7","v":0.27050000000000002}]
[2020,35800,44954,12497,null,null,"2010neenee",0.13350000000000001,null,null,"2010neenee",9.5899999999999999E-2,null,null,null,null,null,null,null,null,null,null,null,"risicopremie v/d grondslag",{"$f":"Y8","v":7.3000000000000001E-3},{"$f":"Z8","v":1.5599999999999999E-2},4.3E-3,9.9000000000000008E-3]
[2021,35800,44954,12497,null,2011,"2011jaja",0.24679999999999999,null,2011,"2011jaja",0.17749999999999999,null,null,null,null,null,null,null,null,null,null,null,"Premie met partner",{"$f":"Y7+Y8+Y13","v":0.11660000000000001},{"$f":"Z7+Z8+Z13","v":0.20140000000000002},{"$f":"AA7+AA8+AA13","v":0.16009999999999999},{"$f":"AB7+AB8+AB13","v":0.28040000000000004}]
[2022,35800,44954,12497,null,null,"2011janee",0.14069999999999999,null,null,"2011janee",0.1011]
[2023,35800,44954,12497,null,null,"2011neeja",0.23419999999999999,null,null,"2011neeja",0.16839999999999999]
[2024,35800,44954,12497,null,null,"2011neenee",0.13350000000000001,null,null,"2011neenee",9.5899999999999999E-2]
[2025,38055,47209,14752,null,2012,"2012jaja",0.24809999999999999,null,2012,"2012jaja",0.17810000000000001]
[null,null,null,null,null,null,"2012janee",0.14130000000000001,null,null,"2012janee",0.1014]
[null,null,null,null,null,null,"2012neeja",0.24210000000000001,null,null,"2012neeja",0.17380000000000001]
[null,null,null,null,null,null,"2012neenee",0.13789999999999999,null,null,"2012neenee",9.9000000000000005E-2]
[null,null,null,null,null,2013,"2013jaja",0.26069999999999999,null,2013,"2013jaja",0.18720000000000001]
[null,null,null,null,null,null,"2013janee",0.14849999999999999,null,null,"2013janee",0.1066]
[null,null,null,null,null,null,"2013neeja",0.25609999999999999,null,null,"2013neeja",0.18390000000000001]
[null,null,null,null,null,null,"2013neenee",0.1459,null,null,"2013neenee",0.1047]
[null,null,null,null,null,2014,"2014jaja",0.2606,null,2014,"2014jaja",0.18709999999999999]
[null,null,null,null,null,null,"2014janee",0.1484,null,null,"2014janee",0.1065]
[null,null,null,null,null,null,"2014neeja",0.25619999999999998,null,null,"2014neeja",0.18390000000000001]
[null,null,null,null,null,null,"2014neenee",0.1459,null,null,"2014neenee",0.1047]
[null,null,null,null,null,2015,"2015jaja",0.24970000000000001,null,2015,"2015jaja",0.17929999999999999]
[null,null,null,null,null,null,"2015janee",0.14219999999999999,null,null,"2015janee",0.1021]
[null,null,null,null,null,null,"2015neeja",0.2432,null,null,"2015neeja",0.17460000000000001]
[null,null,null,null,null,null,"2015neenee",0.13850000000000001,null,null,"2015neenee",9.9400000000000002E-2]
[null,null,null,null,null,2016,"2016jaja",0.25169999999999998,null,2016,"2016jaja",0.1807]
[null,null,null,null,null,null,"2016janee",0.14330000000000001,null,null,"2016janee",0.10290000000000001]
[null,null,null,null,null,null,"2016neeja",0.24529999999999999,null,null,"2016neeja",0.17610000000000001]
[null,null,null,null,null,null,"2016neenee",0.13969999999999999,null,null,"2016neenee",0.1003]
[null,null,null,null,null,2017,"2017jaja",0.25259999999999999,null,2017,"2017jaja",0.1817]
[null,null,null,null,null,null,"2017janee",0.1439,null,null,"2017janee",0.10349999999999999]
[null,null,null,null,null,null,"2017neeja",0.24709999999999999,null,null,"2017neeja",0.1777]
[null,null,null,null,null,null,"2017neenee",0.14069999999999999,null,null,"2017neenee",0.1012]
[null,null,null,null,null,2018,"2018jaja",0.24929999999999999,null,2018,"2018jaja",0.17929999999999999]
[null,null,null,null,null,null,"2018janee",0.14199999999999999,null,null,"2018janee",0.1021]
[null,null,null,null,null,null,"2018neeja",0.24410000000000001,null,null,"2018neeja",0.17549999999999999]
[null,null,null,null,null,null,"2018neenee",0.13900000000000001,null,null,"2018neenee",0.1]
[null,null,null,null,null,2019,"2019jaja",0.2462,null,2019,"2019jaja",0.17710000000000001]
[null,null,null,null,null,null,"2019janee",0.14019999999999999,null,null,"2019janee",0.1008]
[null,null,null,null,null,null,"2019neeja",0.2409,null,null,"2019neeja",0.17330000000000001]
[null,null,null,null,null,null,"2019neenee",0.13719999999999999,null,null,"2019neenee",9.8699999999999996E-2]
[null,null,null,null,null,2020,"2020jaja",0.2462,null,2020,"2020jaja",0.17710000000000001]
[null,null,null,null,null,null,"2020janee",0.14019999999999999,null,null,"2020janee",0.1008]
[null,null,null,null,null,null,"2020neeja",0.2409,null,null,"2020neeja",0.17330000000000001]
[null,null,null,null,null,null,"2020neenee",0.13719999999999999,null,null,"2020neenee",9.8699999999999996E-2]
[null,null,null,null,null,2021,"2021jaja",0.2712,null,2021,"2021jaja",0.1951]
[null,null,null,null,null,null,"2021janee",0.15440000000000001,null,null,"2021janee",0.1111]
[null,null,null,null,null,null,"2021neeja",0.26590000000000003,null,null,"2021neeja",0.1913]
[null,null,null,null,null,null,"2021neenee",0.15140000000000001,null,null,"2021neenee",0.1089]
[null,null,null,null,null,2022,"2022jaja",0.27279999999999999,null,2022,"2022jaja",0.19620000000000001]
[null,null,null,null,null,null,"2022janee",0.15529999999999999,null,null,"2022janee",0.11169999999999999]
[null,null,null,null,null,null,"2022neeja",0.2676,null,null,"2022neeja",0.1925]
[null,null,null,null,null,null,"2022neenee",0.15240000000000001,null,null,"2022neenee",0.1096]
[null,null,null,null,null,2023,"2023jaja",0.2752,null,2023,"2023jaja",0.19800000000000001]
[null,null,null,null,null,null,"2023janee",0.15670000000000001,null,null,"2023janee",0.11269999999999999]
[null,null,null,null,null,null,"2023neeja",0.2702,null,null,"2023neeja",0.1943]
[null,null,null,null,null,null,"2023neenee",0.15390000000000001,null,null,"2023neenee",0.11070000000000001]
[null,null,null,null,null,2024,"2024jaja",0.2767,null,2024,"2024jaja",0.19900000000000001]
[null,null,null,null,null,null,"2024janee",0.15759999999999999,null,null,"2024janee",0.1133]
[null,null,null,null,null,null,"2024neeja",0.2717,null,null,"2024neeja",0.19539999999999999]
[null,null,null,null,null,null,"2024neenee",0.1547,null,null,"2024neenee",0.1113]
[null,null,null,null,null,2025,"2025jaja",0.27829999999999999,null,2025,"2025jaja",0.2001]
[null,null,null,null,null,null,"2025janee",0.1585,null,null,"2025janee",0.114]
[null,null,null,null,null,null,"2025neeja",0.27362999999999998,null,null,"2025neeja",0.1968]
[null,null,null,null,null,null,"2025neenee",0.15579999999999999,null,null,"2025neenee",0.11210000000000001]